FIDUCIENT
Fiducient institutional accounting
Institutional Accounting Services

Every Number
Carries the Weight
Your Institution Does

Fiducient provides specialized accounting and reporting for banks, credit unions, and financial entities that require more than standard bookkeeping. Reconciliation, capital reporting, loan portfolios — handled with the rigor regulators expect.

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Our Commitment

Where Institutional Precision
Meets Practical Delivery

Fiducient works exclusively within the financial services sector. That means every process we use, every report we produce, and every team member we deploy is shaped by the specific demands of regulated financial environments — not adapted from a general accounting practice.

Banks, credit unions, and lending platforms face a different category of accounting challenge. The reconciliation requirements are more granular, the regulatory filings more consequential, and the documentation standards more exacting. We built our services around those realities from the start.

Sector-Only Focus

Built for financial institutions, not adapted to them. Our accountants work within banking and lending contexts — that's the scope of the practice.

Predictable Monthly Cycle

Deliverables completed on a consistent schedule — reconciliations closed, reports filed, portfolios updated — so your team always knows what to expect.

Examination-Ready Documentation

Every file we produce is structured with regulatory review in mind — documented trails, variance records, and supporting schedules included as standard.

Core Strengths

What We Do Well

Six operational pillars that shape how Fiducient serves financial institutions month over month.

Reconciliation Discipline

Daily, weekly, or monthly reconciliations with documented trails, outstanding-item tracking, and structured variance escalation — every period, without exception.

Regulatory Readiness

Capital ratios, call report data, pre-submission review — all delivered ahead of schedule and aligned to current frameworks as they apply to your institution type.

Portfolio-Level Accuracy

Loan-level origination, accrual, payment application, and allowance calculations maintained with the detail required for both financial reporting and examiner review.

Specialist Team Access

Each engagement is handled by accountants who have worked within financial institution environments — not assigned to junior staff learning the sector on your account.

Consistent Monthly Output

Reports, summaries, and reconciliation closes delivered on the same schedule each period — predictable enough that your team can plan internal deadlines around them.

Clear Audit Trails

Every calculation, reconciliation close, and filing is supported by documentation that holds up under scrutiny — whether from internal audit, external review, or regulatory examination.

Our Process

How an Engagement Works

From initial review to ongoing monthly delivery — what you can expect when working with Fiducient.

01

Scope Review

We assess your current reporting setup, identify what's needed, and clarify which services apply to your institution's structure — before any work begins.

02

Configuration

We align reporting cadence, data access, and deliverable formats to your specific requirements — whether that's daily reconciliations or quarterly capital filings.

03

Monthly Execution

Reconciliations, capital calculations, or portfolio reports completed on schedule with full supporting documentation and clear variance notes where applicable.

04

Ongoing Alignment

Periodic check-ins and process updates as your regulatory environment or reporting requirements shift — so the engagement stays calibrated over time.

Track Record

Numbers That Speak for Themselves

$4B+
In Reconciled Assets

Across bank, investment, and custodial accounts processed through our reconciliation practice since launch.

100%
On-Time Delivery Rate

All regulatory filings and client deliverables completed on schedule across active engagements — no missed submissions on record.

3
Focused Service Areas

Reconciliation, capital reporting, and loan portfolio accounting — focused depth in each area rather than broad generalism.

Sector-Specific Experience

Fiducient works exclusively with financial institutions. Our accountants are familiar with the specific account hierarchies, reconciliation structures, and reporting frameworks that community banks, credit unions, and fintech lenders work within — not adapting general-practice methods to fit.

Built for Examiner Review

Every document we produce is structured with regulatory inquiry in mind. Supporting schedules, variance explanations, and reconciliation trails are standard — so your team isn't scrambling to prepare documentation when an examination is scheduled.

Available Services

Three Services, One Sector

Each service addresses a distinct reporting challenge that financial institutions face. They can be engaged individually or together depending on your needs.

Bank Reconciliation Services

Bank Reconciliation Services

Comprehensive reconciliation of bank, investment, and custodial accounts. Transaction matching, discrepancy investigation, documented reconciliation trails, and outstanding-item tracking.

$2,500 USD/month
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Regulatory Capital Reporting

Regulatory Capital Reporting

Capital adequacy reports and regulatory filings for banking entities. Capital ratio calculations, call report compilation, and pre-submission review aligned to applicable frameworks.

$4,500 USD
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Loan Portfolio Accounting

Loan Portfolio Accounting

Loan-level records covering origination, interest accrual, payment application, and allowance-for-loss calculations. Monthly summaries include delinquency tracking and yield analysis.

$3,000 USD/month
Learn More
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Ready to Talk Through Your Reporting Needs?

If your institution handles reconciliations, regulatory filings, or loan portfolios, we're happy to discuss how we approach those areas and whether Fiducient is a fit for your team.

Get in Touch

Start a Conversation

Share a few details and one of our accountants will follow up with you directly.

Company Information
Company
Fiducient
Website
fiducient.org
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